TellerScore

Wolf Point Federal Credit Union (NCUA charter #15375) is based in Wolf Point, Montana. Its Q2 2026 call report shows $23.3M in total assets and $18.7M in member shares and deposits and 3 offices across 2 states.

Wolf Point Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 26th. Capital cushion contributes the most (100/100, 17.19%); earnings contributes the least (14/100, -0.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.19%
Loan quality49/100
Loans 60+ days delinquent ÷ total loans: 1.54%
Earnings14/100
Return on assets (annualized): -0.16%
Funding & liquidity94/100
Loans ÷ shares: 59.5% · 21.1% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.29%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 16 points (84 → 68), mostly because the earnings component weakened by 64 points.

TellerScore
687887Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202485
Q4 202487
Q1 202583
Q2 202584
Q3 202581
Q4 202583
Q1 202674
Q2 202668
Net worth ratio
7.00%13.03%19.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.37%
Q3 202417.54%
Q4 202417.93%
Q1 202517.35%
Q2 202518.42%
Q3 202519.05%
Q4 202518.92%
Q1 202617.64%
Q2 202617.19%
Delinquent loans (60+ days)
0.90%1.24%1.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.41%
Q3 20241.49%
Q4 20241.03%
Q1 20250.90%
Q2 20251.07%
Q3 20251.47%
Q4 20251.12%
Q1 20261.58%
Q2 20261.54%
Return on assets
-0.16%1.14%2.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.44%
Q3 20242.11%
Q4 20241.67%
Q1 20251.05%
Q2 20251.44%
Q3 20251.60%
Q4 20251.33%
Q1 20260.68%
Q2 2026-0.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$23.3M17.19%1.54%-0.16%59.5%
Q1 202674$23.0M17.64%1.58%0.68%57.7%
Q4 202583$21.2M18.92%1.12%1.33%64.9%
Q3 202581$20.9M19.05%1.47%1.60%66.2%
Q2 202584$21.1M18.42%1.07%1.44%62.3%
Q1 202583$21.9M17.35%0.90%1.05%54.2%
Q4 202487$20.9M17.93%1.03%1.67%56.8%
Q3 202485$21.3M17.54%1.49%2.11%56.0%
Q2 202486$21.1M17.37%1.41%2.44%55.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.19%
66th
Problem loans1.54%
28th
Net charge-offs0.02%
66th
Return on assets-0.16%
16th
Loans to deposits59.5%
49th
Uninsured deposits21.1%
2nd
Loan-loss reserves0.00%
37th
Texas ratio4.3%
33rd

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Mountain West Federal Credit UnionCredit union Butte, MT73 out of 100, Strong$24.2M15.5%2.27%vs
Seg Federal Credit UnionCredit union Laurel, MT74 out of 100, Strong$25.6M12.6%0.75%vs
Bitterroot Community Federal Credit UnionCredit union Darby, MT64 out of 100, Moderate$18.9M8.5%0.59%vs
The Family First Federal Credit UnionCredit union Great Falls, MT63 out of 100, Moderate$18.8M11.0%2.44%vs
Glendive Bn Federal Credit UnionCredit union Glendive, MT93 out of 100, Very strong$28.0M21.5%0.00%vs
Mile High Federal Credit UnionCredit union Butte, MT87 out of 100, Very strong$30.2M14.3%0.00%vs

Deposit insurance

Is my money safe at Wolf Point Federal Credit Union?

Yes. Wolf Point Federal Credit Union is a federally insured credit union (NCUA charter #15375). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 21.1% of shares and deposits ($3.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.19%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Wolf Point Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

  • Clive, IA (1)
  • Glasgow, MT (1)
  • Wolf Point, MT (1)

All branch addresses and map

Identity & history

Profile

Legal name
Wolf Point Federal Credit Union
Type
Federal credit union
NCUA charter #
15375
RSSD ID
512183
Primary regulator
NCUA
Established
1963
Headquarters
PO Box 426, Wolf Point, MT 59201
Employees
6

Quick answers

Wolf Point Federal Credit Union: common questions

Is Wolf Point Federal Credit Union NCUA insured?

Yes. Wolf Point Federal Credit Union is a federally insured credit union (NCUA charter #15375). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Wolf Point Federal Credit Union's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Wolf Point Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Wolf Point

InstitutionScoreAssetsCapitalProblem loansCompare
Independence BankBank Havre, MT84 out of 100, Strong$1.4B13.4%0.46%vs
Opportunity Bank of MontanaBank Helena, MT71 out of 100, Strong$2.1B10.9%0.26%vs